Advance Financial Lighthouse, Inc.

11/03/2026

It’s Election Day. Speak up. Speak out. Let your voice be heard through your vote!

11/01/2026

Happy November — a month of appreciation and abundance! 🍂

As the year begins to wind down, give yourself permission to slow down and enjoy the life you’re working so hard to build.

Notice the blessings around you: the people who show up, the lessons that help you grow, and the small moments that are easy to overlook when life gets busy.

Abundance reaches beyond financial wealth. It’s also found in meaningful relationships, opportunities to make a difference, and the freedom to spend time on what matters most.

This month, take a moment to appreciate how far you’ve come. Celebrate your progress, express your gratitude, and leave room for the good still unfolding.

What are you especially grateful for as November begins?

10/29/2026

Tis’ the season for spooky… We are excited to share some favorite spooky Halloween movies for the season of scares! Comment with your favorite spooky movies of the season!

From childhood classics to cult favorites, we guarantee you'll find your next must-watch here.

10/28/2026

Are you a business owner thinking about starting a retirement plan in 2027?

Whether your business is small or growing, a retirement plan can be a meaningful way to support the people who contribute to its success.

But which plan is right for you?

📊 The graphic compares four retirement plans side by side: SEP IRA, SIMPLE IRA, 401(k).

Each plan has different rules, contribution limits, and administrative responsibilities. The right choice depends on your goals, budget, number of employees, and how much administration you’re prepared to manage. A 403(b) is available only to eligible employers, including qualifying nonprofits and public schools.

Two questions are a good place to start:

How much can we commit each year?

Do we want employees to be able to save through payroll?

A thoughtful retirement plan can help you care for your team while planning responsibly for the future.

The graphic shows 2026 contribution limits. Plan eligibility and provisions vary.

10/27/2026

What’s the difference between selling a financial product and providing fiduciary advice?

Both can involve financial products. The difference is the responsibility behind the recommendation.

A fiduciary has a duty to act in the client’s best interest when providing fiduciary advice. That means understanding the client’s goals and circumstances, making recommendations with care, and addressing conflicts of interest.

Sometimes the right recommendation involves a product. Other times, it may be:

• Pay down debt
• Keep the investments you already own
• Build your emergency savings
• Wait before making a decision

Here are a few questions worth asking your financial professional:

👉 Are you acting as a fiduciary when giving me this advice?

👉 How are you paid, and would your compensation change depending on what I choose?

👉 What other options did you consider for me?

A thoughtful advisor should welcome those questions. After all, financial advice should begin with your life, your goals, and what matters most to you.

10/24/2026

After 30 years of running my business, I've learned so much, but these two things stand out: planning for the future means preparing others to lead, and a strong team makes all the difference.

It takes clear goals, documented processes, and a willingness to share responsibility. For me, one of the hardest parts has been letting go of control. When you've poured so much into building a business, that takes trust.

I'm so grateful for Katy and Brenda. Their dedication, care for our clients, and contributions have helped make Advance Financial Lighthouse what it is today. Giving them room to lead has made our whole team stronger.

A legacy grows through the people we invest in and the relationships we build along the way.

Business owners, what's one responsibility you could give someone else the opportunity to lead? 👇 Katy Baldrachi Brenda McDonald

10/22/2026

10/21/2026

Thirty years in financial services have taught me that every financial plan begins with a person and a story.

Behind the numbers is someone working toward something meaningful: the freedom to retire, confidence after a life change, a thriving business, or a legacy for the next generation.

That is why relationships remain at the heart of my work.

At Advance Financial Lighthouse, we take time to understand what matters to you—your family, your values, and the future you envision. Those conversations help us bring purpose and direction to your financial decisions.

My purpose remains the same: helping people move forward with greater clarity and confidence.

What are you working toward in this season of life?

10/15/2026

🌅 Is retirement on the horizon?

📊 Are you concerned about market volatility?

💭 Maybe we can help you strategize for the future or even navigate uncertainty.

Ready to get started? Comment "Ready" below ✏️

10/13/2026

🍁 From crisp mornings to cozy sweaters and pumpkin-spiced everything, this is the perfect season to reflect on your financial strategy. Whether you're savoring the autumn air or tackling your Q4 goals, take a moment to enjoy all the little things that make fall feel so special. ✨

Let the fall vibes fuel your focus and inspiration! Feeling inspired already? Comment the word “Ready” to get connected today!